COFS
ChoiceOne Financial Services, Inc.NASDAQFinancial Services$28.50+0.39%ClosedMarket Cap: $427.0M
As of 2026-04-06
Valuation
P/E (TTM)
15.15
PEG
2.80
P/B
0.92
P/S
1.88
EV/EBITDA
13.47
DCF Value
$81.34
FCF Yield
2.9%
Div Yield
4.0%
Margins & Returns
Gross Margin
64.5%
Operating Margin
15.0%
Net Margin
12.4%
ROE
6.4%
ROA
0.6%
ROIC
3.3%
Income Statement
| Period | Revenue | Gross Margin | Operating Income | Net Income | EPS | Dividend |
|---|---|---|---|---|---|---|
| Q4 2025 | $60.5M | 69.7% | $16.8M | $13.9M | $0.92 | $0.29 |
| FY 2025 | $192.9M | 58.2% | $34.2M | $28.2M | $2.01 | $1.13 |
| Q3 2025 | $61.8M | 72.0% | $18.3M | $14.7M | $0.97 | $0.28 |
| Q2 2025 | $60.4M | 69.8% | $16.7M | $13.5M | $0.90 | $0.28 |
| Q1 2025 | $44.9M | 40.3% | $-17.6M | $-13.9M | $-1.30 | $0.28 |
| Q4 2024 | $36.0M | 67.0% | $8.8M | $7.2M | $0.84 | $0.28 |
| FY 2024 | $139.1M | 66.0% | $33.1M | $26.7M | $3.25 | $1.09 |
| Q3 2024 | $36.6M | 67.5% | $9.3M | $7.3M | $0.85 | $0.27 |
| Q2 2024 | $34.0M | 66.0% | $8.2M | $6.6M | $0.87 | $0.27 |
| Q1 2024 | $32.5M | 63.2% | $6.8M | $5.6M | $0.74 | $0.27 |
| Q4 2023 | $32.0M | 63.2% | $6.4M | $5.3M | $0.70 | $0.27 |
| FY 2023 | $113.9M | 70.8% | $25.6M | $21.3M | $2.82 | $1.05 |